PayPal Working Capital is a business loan available to PayPal merchants that allows you to:

Get funding in minutes

Sign-up and approval takes minutes and your loan is securely transferred to your PayPal account automatically.

No credit check required

No time-consuming check of your financial history – your loan is based on your PayPal sales.

Pay one affordable fixed fee

You pay no periodic interest. Instead you pay one affordable fixed fee that you know before you sign up.

Flexible payments

You pay a share of your sales each day until your loan is paid off. (Minimum payment required.)**

If you have questions about getting started, fees, or how PayPal Working Capital works visit our frequently asked questions.

**Minimum payment required every 90 days. See Terms and Conditions for details.

Working Capital
Credit Card Traditional
Bank Loan
Application time: 5 minutes 20 minutes Hours
Total funding time: < 1 minute 1 week 1 week
Pay with a share of your sales:** X
Monthly billing
Monthly billing
Single, fixed fee: X
Financing fees
Annual fees
Late fees
Utilization fees
Late fees
Periodic interest: None Yes Yes
Credit check: No Yes Yes
Personal Guarantee (PG): No Yes Yes
Pre-payment penalty: No No Yes

Source: PayPal competitive analysis, based on common industry practices

Start selling with PayPal now

The sooner you start using PayPal to process your transactions the closer you’ll be to taking advantage of this powerful tool that can help propel your business to success.

Get Your PayPal Business Account

Sign up: 1-855-456-1316

Get ready to apply for your loan


Open your PayPal business account and process payments with PayPal for at least 90 days.


Process at least $15,000+ with PayPal within 12 months.*


Complete our simple online application, and if approved, invest in your business.

Merchant Services and Business Products

Frequently Asked Questions:

What is PayPal Working Capital?

PayPal Working Capital gives businesses access to the capital they need, but it's faster and easier than traditional loans and credit cards. It’s a business loan of a fixed amount, with a single fixed fee that allows you to automatically repay it with a share of your daily sales. It's available to select businesses that already process payments through PayPal. If your business qualifies, the lender reviews your PayPal cash flow history to customize a special offer.

How do I apply?

Once your business has been with PayPal for at least 3 months and has processed between $20,000 and $10 million with PayPal within 12 months,* you will be eligible to apply for the PayPal Working Capital business loan at
*PayPal sales include processing on PayPal Pro Payments, PayPal Standard, PayPal Express Checkout, and PayPal Here.

How does it work?

The process is easy:

  1. Once your business has been with PayPal for at least 3 months and has processed between $20,000 and $10 million with PayPal within 12 months, visit and log in to apply.
  2. If approved, select your loan amount.
  3. Choose the percentage of your future PayPal sales that you want to go toward repayment of the loan amount and the loan fee.
  4. Get the loan amount deposited to your PayPal account within minutes to use for your business.
  5. Start making automatic repayments as a percentage of your daily sales until your balance is paid in full. You can also make additional payments or even pay the loan in full early without penalty. At least 10% of the total of the original loan amount + loan fee is due every 90 days, up to 540 days, or until the loan is paid in full, whichever first occurs. See Terms and Conditions for details.

What fees do I have to pay?

Unlike traditional loans, PayPal Working Capital charges a single, fixed fee that you'll know before you sign up. No periodic interest, no hidden fees, and no late fees. The fee is based on your business's PayPal sales history, the loan amount, and the daily repayment deduction percentage you select. Here is an example: